8 Warwick Cir, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 8 Warwick Cir, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,792 sqft · built 1975
Lot Size	1.64 acres (71,713 sqft)
Owner	2 Individual Names on File
Last Sale	$1,280,000 (Jul 2022)
Tax Bill	$15,548 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage May 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00069 B:00038 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00069 B:00038 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	4,792 sqft Living Area
Gross Area	6,388 sqft
Basement Area	2,480 sqft
Unfinished Basement	248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	71,713 sqft (1.64 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	8 WARWICK CIR
City	ANDOVER
State	MA
Zip	01810-2573
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Subdivision	WARWICK ESTATES
Legal Block	38
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	4
Census Block	4006
Census Tract	254100

Owner

8 Warwick Cir is owned and occupied by two individuals who bought it in July 2022.

Source: Essex County and Andover Town records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	8 WARWICK CIR, ANDOVER, MA 01810-2573
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA
May 5, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2022 · Amount on File
Deed Sale	Jul 14, 2022 · Amount on File
Prior Sale	May 28, 2010 · Amount on File
Deed Document Number	202216736
Deed Book / Page	17508 / 219
Record Updated	Oct 29, 2026

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jul 14, 2022
Property Address	8 WARWICK CIR, ANDOVER, MA 01810-2573
Document Number	017508-219
Book / Page	17508 / 219
Instrument Date	Jul 14, 2022
Instrument	16736
Transaction Type	Transfer
Record Updated	Jul 29, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	8 WARWICK CIR, ANDOVER, MA 01810-2573

Mortgage

Document Number	0000016737
Date	Jul 14, 2022
Instrument	16737

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.63%
Type Change Date	Aug 1, 2027
Max Rate At Change	2.75%
Index	1-Year CMT

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	8 WARWICK CIR, ANDOVER, MA 01810-2573
Transaction Type	Mortgage
Record Updated	May 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017434-103
Date	May 5, 2022
Book Page	17434/103
Instrument	10781

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 8 Warwick Cir was $15,548, up 3.8% from the year before.

Source: Essex County and Andover Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Andover Town
Unified School District	Andover School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$15,548.00 (+3.77%)	$1,244,800 (+7.01%) Land $739,600 Building $505,200	$1,462,145
2024	$14,983.00 (+7.16%)	$1,163,300 (+13.65%) Land $713,900 Building $449,400
2023	$13,982.00	$1,023,600 Land $611,500 Building $412,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 8 Warwick Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 8 Warwick Cir is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ANDOVER WATER DEPT serves 36,569 people · EPA ID MA3009000
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement currently in violation since Nov 2021 Corrosion control Jan 2022
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 176 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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